Kenya is Africa's fintech capital, with over 40 licensed microfinance banks, 170+ SACCOs, and a booming digital lending market. M-Pesa processes over $50B annually, and regulators now require all deposit-taking MFIs to maintain robust core banking systems with full audit trails.
Native integrations in Kenya
Flip a switch and collect repayments the way your borrowers already pay. No middleware, no extra vendors, no markup on transactions.
Data sovereignty
Data Protection Act 2019 compliance isn't optional. Kovara Cloud hosts your data in your region — in your regulator's jurisdiction, fully managed. Self-hosting available on Institutional when required.
Full audit trails, maker-checker controls, and regulatory reporting built in. Designed for MFIs, SACCOs, DTMs, digital lenders.
Kovara Cloud keeps member data hosted in your region, under your regulator's jurisdiction. Full compliance with local data protection requirements.
Field agents collect payments and onboard customers with no internet. Data syncs automatically when connectivity returns. Built for real conditions.
Built for Kenya
Whether you're a village savings group or a licensed bank, Kovara has the features your institution needs at a price that makes sense.
Full lifecycle from application to closure. Individual, group, and solidarity lending with automated repayment schedules.
Savings accounts, fixed deposits, share capital, and recurring deposits with automated interest accrual.
Every transaction posts to the GL automatically. Chart of accounts, trial balance, income statement, and balance sheet.
Your logo, your brand, your domain. Members see your institution — not Kovara.
Connect your regional KYC and credit bureau providers. Run checks directly from the loan application screen.
Members check balances, apply for loans, and download statements from a branded portal or mobile app.
From $249/month. All features included. Deploy in Kenya today.